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in Bankruptcy Law, Legal, Consumer Protection Law
Current Job Title:
Partner
Most Advanced Degree:
Doctoral Degree
Major or Emphasis:
Law
Professional Licenses:
Juris Doctorate -Law
 
 
 

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Recent Questions by Terry L.

 
 
 
  • I have two checking accounts at US Bank here in town, and one

    I have two checking accounts at US Bank here in town, and one of my accounts is -550.00, so I am claiming this on my Chapter 7 bankruptcy to be discharged. I was advised to close this account and reopen another checking account before I file bankruptcy, as it would be hard to get a checking account after filing chapter 7 bankrutpcy. My question is, if I have a checking account that I close with US Bank, can they deduct the closing remaining balance (-550.00) from my other checking account that I have with the bank?
  • McDonalds sells a southern chicken sandwich, all photos even

    McDonalds sells a southern chicken sandwich, all photos even the one on the
    packaging show two pickles in the view, a normal person would believe that
    pickles would cover the bottom of bun based on photo. When calling to complain
    McDonalds say there is only one pickle chip in the build list for the sandwich. Is this false
    advertising?
  • my bankruptcy lawyer never told me I was not to use my credit

    my bankruptcy lawyer never told me I was not to use my credit cards prior to filing bankruptcy. I had moved out of my home and lived with a friend due to mold, separated from my fiance, then had to move back into the house due to issues with my friend. Everything I owned, except my clothes, TV's and some kitchen stuff had to be thrown away or burned due to the mold and my fiance took all of the things he had bought so I had basically nothing when I moved back to the house. The bankruptcy lawyer said I could file chapter 7, foreclosure papers had been issued to me prior to seeing the lawyer and he felt I would be in the house until at least next year, so I replaced some, not all, of the items I had lost. In addition, several large appliances stopped working so I had to replace them as well. He filed the paperwork the end of April, I told him about the credit card usage after receiving paperwork from the law office last week. He said he found it hard to believe noone told me not to use the cards, tried to deflect the blame stating did I remember him saying not to get dental work done until after the discharge of the bankruptcy using a care credit card I had just received in the mail. He never explained why, I thought the court would not look kindly if I started dental work prior to declaring bankruptcy but could not pay my credit cards. I am sick about this, had no idea I could be put on the witness stand and cross examined by my creditors at the meeting of the creditors, was told they never showed up. The paralegal, however, last week told me it happens all the time in case they suspect fraud. I had no intention of defrauding anyone, I honestly thought I could use the cards until my bankruptcy was filed. I did not use all of my credit cards, just 3. I even mentioned to the paralegal several weeks ago when she mentioned to me she would be calling me for the final balance in my checking account that I had used several of my credit cards and that I would give her updated balances. She never said a word to me. I told the lawyer that I do not want to get in trouble, he said you are not in trouble, you will just have to pay back what you spent. I hope this is true, I have not slept well since this happened last Friday. Help, I need advise!
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Other Recent Questions by Terry L.

 
 
 
Question Date Submitted
My daughter is filing a chapter 7. Bankruptcy .I have a signed 5/22/2013
Is there any help available for public assistance recipients 5/21/2013
I am considering bankruptcy, but would like to avoid it if 5/20/2013
I have two checking accounts at US Bank here in town, and one 5/17/2013
If I have used all my wildcard exemption and have none left 5/17/2013
I have received multiple answers on what exemptions to use 5/17/2013
I have a closed checking account at US Bank with a negative 5/17/2013
I am currently in the process of filing a chapter 7 bankruptcy, 5/17/2013
What exemption do i claim my accrued vacation time in? Chapter 5/17/2013
McDonalds sells a southern chicken sandwich, all photos even 5/14/2013
my bankruptcy lawyer never told me I was not to use my credit 5/14/2013
Can a court in the state where the defendant resides require 5/14/2013
"liens to follow proceeds" what does this phrase mean? 5/10/2013
I have about $100K in consumer debt. I am retiring at the 5/7/2013
will automatic stay effect my car insurance ach withdrawal 5/3/2013
A friend has filed BK chapter 13 and needs help filing a TRO 5/3/2013
Joint debtors are both receiving social security monthly payments 5/3/2013
If a person has discussed filing for chapter 7 with an atty 5/2/2013
I have an agreement with my employer that I will get a sizable 5/2/2013
This is a chapter 13 question. 5 months ago the debtor plan 4/23/2013
What is a good source to find a solid ch 11 bk attorney in 4/23/2013
Follow up to part of a question from yesterday. If we use 4/22/2013
What should I do to extend the time of a bankruptcy plan hearing, 4/22/2013
Im a creditor trying to protect our assets , namely a Chev 4/19/2013
Im in the process of filing a chapter 7 BK, my attorney seems 4/17/2013
I am from New Hampshire but moved to Florida and lived there 4/17/2013
I am under a bankrupt because of credit cards 4/17/2013
Husband and wife were pro se plaintiffs in an FCRA case. Court 4/15/2013
As part of a divorce settlement agreement, I agreed to be responsible 4/13/2013
I am 46 and on disability.moved to sc 3 yrs ago from ohio. 4/11/2013
Hello, I own a piece of open land in Arizona with a partner. 4/5/2013
I am 65 and currently unemployed as of 2/15/13. I live in NY 4/5/2013
I want to make sure that I do not have to surrender a state 4/4/2013
whay happens to a unsecured creditor receiving bankruptcy payments 4/2/2013
In a ch 13 one must surrender any federal returns to the trustee, 3/29/2013
Bankruptcy Attorney paid $1500 and then failed to file course 3/29/2013
What are the general guidelines for applying for bankruptcy? 3/26/2013
I had a car that was repoed in 2010. A judgment was filed 3/25/2013
I am a creditor of someone who is going to go into chapter 3/22/2013
Situations: In MD;divorced ; co-own home w/ ex. whose also 3/22/2013
What is the next step after filing a petition for a ch 13 3/22/2013
Hi, I have signed a contract to stay with my company for two 3/20/2013
What is the criteria to file bankruptcy to avoid creditor Here 3/15/2013
The Trusy filed a "Trustees Objection to Claim Exemptions." 3/13/2013
I am a creditor in a bankruptcy case. The debtors filed a 3/12/2013
A CA corp in which I am the CEO and majority shareholder is 3/11/2013
I filed Ch 7 bankruptcy in 2008 and recieved discharge in 2009. 3/8/2013
Filing bankruptcy chapter 13 3/7/2013
We received a discharge in August. We also received a letter 3/5/2013
BQ-ScE 3/1/2013
I live in ct and have been served a petion for examination 2/20/2013
My husband is in the middle of chapter 7 bankruptcy despite 2/19/2013
My wife and I are in Chapter 13 bankruptcy for the last two 2/19/2013
My friend cannot live on her income and pay a monthly Visa 2/14/2013
if during chapter 11 proceedings it is determined a companys 2/13/2013
If I have a case in District Court regarding wrongful foreclosure 2/12/2013
If one objects to a creditors claim in a Ch 13, how is the 2/5/2013
question on chapter 13 plan and motions. If I list a creditor 2/5/2013
In a Chapter 13, during the 341 meeting of creditors; can they 1/11/2013
I have a small (just me) business organized as a C corporation. 12/27/2012
if I lost a stae court case, jury answered that I committed, 12/27/2012
I filed for chapter 7 bankruptcy in central fl this past summer 12/7/2012
I own a tax lien in syracus new york the home owner filed 12/7/2012
Are Service Connected Disabled Vets exempt from the Means Test 12/3/2012
I would like to be referred to someone who is familiar with 11/30/2012
Hello, can you tell me if this is a good place to go for handling 11/30/2012
I filed a Chapter 7 bankruptcy petition October 25,2012. I 11/26/2012
Current Situation: • Over $150,000 credit card debt (have 11/20/2012
Can I file Chapter 7 BK on a Summary Judgement regarding the 11/16/2012
I am in NJ and my 83 yr old unemployed grandmother co-signed 11/16/2012
Is a discharge under section 727 of title 11 different from 11/16/2012
What is a chapter 7 discharge under section 727 of title 1 11/16/2012
How are leased vehicles typically handled in a Chapter 7 and 11/14/2012
My father was/is currently in a foreclusure suit (chase has 11/14/2012
what are the pros and cons of me filing for bankruptcy 11/13/2012
I got served today with a summons to appear in cort from a 11/13/2012
I wanted to buy a piece of jewelry for myself to celebrate 11/12/2012
Hi Terry I have a follow-up question When I go to the Confirmation 11/8/2012
I WENT TO AN ATTORNEY LAST THURSDAY ABOUT POSSIBLE DOING A 11/8/2012
i am on disabled and only get SSDI and am being sued by a 11/8/2012
I have been sued from a car accident i was at fault for last 11/7/2012
BANKRUPTCY 11/6/2012
Due to unfortunate circumstances (divorce and unemployment) 11/6/2012
I have been contacted by a debt collector attempting to collect 11/6/2012
I have filed for Chapter 13 Pro Se. I spent a lot of time 11/5/2012
Chp13 Plan Objection next steps 11/5/2012
If I had a Chapter 7 discharge almost 2 years ago and end up 11/5/2012
a tenant who operates a restarurant n my mall owes us $15,000 11/2/2012
This is a chapter 13 question...the debtor has a title loan 11/1/2012
My husband and I are considering speaking to a bankruptcy lawyer. 10/31/2012
If there is a person who has filed for bankruptcy and her bank 10/30/2012
I was divorced in Michigan in 2006. I filed bankruptcy and 10/30/2012
If a civil case is in motion regarding a credit card debit, 10/24/2012
I HAVE A CONTRACT OF SALE ON ONE OF MY PROPERTIES WERE I AM 10/24/2012
I Need A Bankrupty Lawyer, I Lost My Job and I cant afford 10/23/2012
I signed a purchase & sale agreement for $130,000 on Jan. 28, 10/23/2012
Can a credit card company hold a judgment on your property 10/20/2012
Not having any trust in the civil court legal system I want 10/19/2012
I have summons to go on Friday for garnishment.the company 10/17/2012
I need to know if I am liable to repay a balance on a First-Time 10/17/2012
 
 
 
 
 
 
 
 
 
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